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新《保险法》第43条关于投保人故意造成被保险人死亡、伤残或者疾病的,保险人不承担给付保险金责任的规定是不合理的。本文通过投保人故意制造保险事故与被保险人自杀的保险赔付相比较,并具体分析投保人故意制造保险事故的几种情况,主张不应该将投保人故意制造保险事故的免责条款采用一刀切的做法,否则将与人寿险保障被保险人及其受益人的精神相违背,也对防范道德风险并无实益。
Article 43 of the new “Insurance Law” on the insured person intentional cause death, disability or illness of the insured, the insurer does not assume the obligation to pay insurance benefits is unreasonable. This article through the insured intentional manufacturing insurance accident and the insured suicide insurance claims compared to a specific analysis of the insured intentional manufacture of several cases of insurance accidents, advocates should not insurers deliberately create insurance accident exemption clause using a one-size-fits-all approach , Otherwise it will run counter to the spirit of life assurance for the insured and its beneficiaries and will not be helpful for preventing moral hazard.